9F Inc.(JFU)Earnings, Financials & Key Ratios
JFU•NASDAQ
$2.60
1.3× P/E·Price updated Jun 27, 2026
About9F Inc., together with its subsidiaries, operates internet securities service platform in the People's Republic of China. Its products include digital financial accounts that offer online lending, wealth management, and payment facilitation services; revolving and non-revolving loan products to borrowers, as well as traffic referral services to o financial institution partners; and a suite of online wealth management products, such as fixed income products, stocks, insurance, bank wealth management products, and mutual funds to investors in various platforms, including Wukong Licai, 9F Wallet, and 9F Puhui. The company also provides payment facilitation and other products and services that help users to pay credit card bills and household bills comprising utility bills; and other value-added services consisting of credit history search, debt consolidation, and user referral services. In addition, it offers technology empowerment services to banking, automobile, securities investment, and insurance industries; and engages in E-commerce business, which offers various categories of merchandise, including 3C products, beauty and skin care products, rice, noodle and oils, household appliances, jewelry, and liquor and beverages. It provides its services to borrowers, investors, and financial institutions partners. The company was formerly known as JIUFU Financial Technology Service Limited and changed its name to 9F Inc. in June 2014. 9F Inc. was founded in 2006 and is headquartered in Beijing, the People's Republic of China.Show more
- Revenue$460M+48.3%
- EBITDA$567M+2553.4%
- Net Income$164M+227.3%
- EPS (Diluted)13.80+228.6%
- Gross Margin72.41%+11.0%
- EBITDA Margin123.38%+1754.6%
- Operating Margin118.58%+908.6%
- Net Margin35.6%+120.8%
- ROE4.4%+218.5%
JFU Price & Volume
9F Inc. (JFU) stock price & volume — 10-year historical chart
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Accounting Anomalies Obscure Declining Cash Reserves
Investment Thesis • Updated 2025Q2
VerdictNegative
Growth:Mixed
Profitability:Strained
Financial Position:Healthy
Cash Flow:Deteriorating
Primary Risk:Regulatory and accounting opacity
"9F Inc. faces significant structural challenges as its revenue growth has decelerated to 6.5% year-over-year, while persistent accounting volatility complicates the assessment of its true operational health. The company's reliance on non-operating adjustments to report a 143.7% net margin in 2025Q2, coupled with a lack of transparent cash flow reporting, raises substantial concerns regarding long-term sustainability. Investors should exercise extreme caution given the rapid erosion of cash reserves from $2.2 billion in 2023Q2 to $420.5 million in 2025Q2."
Verdict Logic
the company's inability to report positive free cash flow and the extreme 143.7% net margin outlier in 2025Q2 suggest significant accounting opacity that outweighs the current 0.45 price-to-sales valuation.
JFU Growth Metrics
9F Inc. (JFU) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-18.21%
3 Years-6.47%
TTM8.19%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM3107.39%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM3067.65%
Return on Capital
10 Years4.55%
5 Years0.39%
3 Years2.35%
Last Year13.6%
Peers Comparison
Key metrics vs top competitors for 9F Inc. (JFU)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $2.60 | $30.62M | 1.28 | 48.28% | 35.6% | 4.4% | — | |
| $15.81 | $2.06B | 1.25 | 8.83% | 33.86% | 24.95% | — | |
| $1.95 | $328.89M | 1.45 | -9.94% | 11.52% | 14.68% | — | |
| $4.80 | $1.19B | 3.49 | 1.03% | 18.75% | 6.05% | — | |
| $2.87 | $963.88K | -0.01 | -60.88% | -14.04% | -1.25% | — | |
| $123.71 | $78.98B | 16.08 | 6.96% | 29.84% | 21.02% | — |
Compare JFU vs Peers
9F Inc. (JFU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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JFU Frequently Asked Questions
9F Inc. (JFU) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is 9F Inc.'s revenue?
9F Inc. (JFU) reported $319.3M in revenue for fiscal year 2025. This represents a 86% decrease from $2.26B in 2016.
How fast is 9F Inc. growing?
9F Inc. (JFU) grew revenue by 48.3% over the past year. This is strong growth.
Is JFU profitable?
Yes, 9F Inc. (JFU) is profitable, generating $256.0M in net income for fiscal year 2025 (35.6% net margin).
Dividend & Returns
What is JFU's return on equity?
9F Inc. (JFU) has a return on equity (ROE) of 4.4%. This is below average, suggesting room for improvement.
What is 9F Inc.'s free cash flow?
9F Inc. (JFU) generated $193.6M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.